I have a husband and wife who've come to refinance their mortgage. Application/gvmt monitoring completed by both, all initial paperwork/disclosures signed by both (intent to proceed, GFE, etc...). Loan closed in only wifes name. LO states husbands credit score came in under target and thus, he 'elected' to take himself off of the application. LO continues and originates loan with wife alone. Only one line on LAR with wifes information solely.
Shouldn't we have another application to report as the husband did originally apply as well? And can we report the other Action Taken as withdrawn, or should it be denied as it was a target of our program that persuaded his decision?